@Tim *******
What advantage do you feel you have with the DTV over Non O based on retirement? The only one I see is that there is no need to tie up 800k. BUT then there are perks you won't have, such as Thai bank account, ability for Thai bill pay, no boarder crossing for 12 months instead of every 6 (DTV), domestic flight discounts, ability to buy vehicles, and there's likely more. Please feel free to add to or correct all of the above. Thank you.